The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$19,176
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,773
−HK$606/mo
Today · 4.125%
HK$20,379
baseline
▲ 0.50% · 4.625%
HK$21,619
+HK$1,240/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,758/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,334
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,906
−HK$580/mo
Today · 4.125%
HK$22,486
baseline
▲ 0.50% · 4.625%
HK$23,671
+HK$1,185/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,972/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,012
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,727
−HK$728/mo
Today · 4.125%
HK$24,455
baseline
▲ 0.50% · 4.625%
HK$25,943
+HK$1,488/mo
Deposit HK$3.36M · loan HK$5.05M · min. income ≈ HK$48,910/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,600
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,287
−HK$696/mo
Today · 4.125%
HK$26,983
baseline
▲ 0.50% · 4.625%
HK$28,406
+HK$1,423/mo
Deposit HK$3.36M · loan HK$5.05M · min. income ≈ HK$53,966/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,847
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,682
−HK$848/mo
Today · 4.125%
HK$28,530
baseline
▲ 0.50% · 4.625%
HK$30,266
+HK$1,736/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,060/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,867
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,668
−HK$813/mo
Today · 4.125%
HK$31,481
baseline
▲ 0.50% · 4.625%
HK$33,140
+HK$1,659/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,962/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,517
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,591
−HK$1,091/mo
Today · 4.125%
HK$36,682
baseline
▲ 0.50% · 4.625%
HK$38,914
+HK$2,232/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,364/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,400
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,430
−HK$1,045/mo
Today · 4.125%
HK$40,475
baseline
▲ 0.50% · 4.625%
HK$42,609
+HK$2,134/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,950/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,293 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).